IFSC Code of State Bank of India, Collectorate Branch,Kottayam Branch, Kerala

This page lists the IFSC code, branch address, contact number and fund-transfer information for State Bank of India, COLLECTORATE BRANCH,KOTTAYAM branch in KOTTAYAM. The 11-digit IFSC SBIN0070492 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with State Bank of India at the COLLECTORATE BRANCH,KOTTAYAM location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, SBIN0070492 is the IFSC of State Bank of India's COLLECTORATE BRANCH,KOTTAYAM branch. The format is fixed: SBIN = bank code, 0 = reserved, 070492 = branch identifier.

About State Bank of India

State Bank of India operates a wide network of branches across India, including the Collectorate Branch,Kottayam branch in Kottayam. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, SBIN0070492.

Branch details at a glance

Collectorate Branch,Kottayam branch overview

Located at PBNO1104,COLLECTORATEBUILDINGS,COLLECTORATEPO686002TREASURYKTMATSBTCOIN, the Collectorate Branch,Kottayam branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC SBIN0070492 is required for all interbank electronic transfers routed through this branch.

Why every State Bank of India branch has a unique IFSC

Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including COLLECTORATE BRANCH,KOTTAYAM of State Bank of India — its own 11-character IFSC. The code SBIN0070492 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.

Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC SBIN0070492 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Collectorate Branch,Kottayam branch is mapped to IFSC SBIN0070492 on the RBI payments network. The branch generally supports the full retail product catalogue of State Bank of India, including:

• Resident savings accounts and salary accounts
• Current accounts for businesses and professionals
• Fixed deposits, recurring deposits and tax-saver deposits
• Demand drafts, banker's cheques and pay orders
• Retail loans — personal, vehicle, education, gold and home
• Credit cards and overdraft facilities (subject to eligibility)
• Third-party investment products such as mutual funds and insurance (through tie-ups)

Whichever product you choose, the IFSC for incoming credits remains SBIN0070492.

Products and services

Customers walking into the Collectorate Branch,Kottayam branch can access most of State Bank of India's standard product suite, including:

• Account opening – savings, current, NRI, salary
• Term deposits and recurring deposits
• Retail and small-business loans
• Insurance and mutual-fund tie-ups
• Locker, safe deposit and ATM card services
• Online and mobile banking activation
• Electronic transfers via IFSC SBIN0070492

How to transfer money using IFSC SBIN0070492

Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC SBIN0070492 across all three.

NEFT to State Bank of India, COLLECTORATE BRANCH,KOTTAYAM using IFSC SBIN0070492

National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.

To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC SBIN0070492, and confirm that the system picks up State Bank of India – COLLECTORATE BRANCH,KOTTAYAM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to COLLECTORATE BRANCH,KOTTAYAM

If you need to transfer ₹2 lakh or more in one go to an account at State Bank of India's COLLECTORATE BRANCH,KOTTAYAM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SBIN0070492 while initiating the transfer and the credit will appear within minutes.

IMPS to State Bank of India COLLECTORATE BRANCH,KOTTAYAM (IFSC SBIN0070492)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SBIN0070492 in your mobile or internet banking app, and the money is credited to the COLLECTORATE BRANCH,KOTTAYAM branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Collectorate Branch,Kottayam

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC SBIN0070492:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at COLLECTORATE BRANCH,KOTTAYAM is still linked to IFSC SBIN0070492.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

How UPI relates to the IFSC code

UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at State Bank of India's COLLECTORATE BRANCH,KOTTAYAM branch, the IFSC SBIN0070492 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.

That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.

Digital banking channels

Most day-to-day work that customers used to do at the Collectorate Branch,Kottayam branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC SBIN0070492 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.

MICR & cheque-truncation details

Cheques drawn on the Collectorate Branch,Kottayam branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SBIN0070492 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Things to verify before sending money

Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to State Bank of India – COLLECTORATE BRANCH,KOTTAYAM:

• The IFSC is exactly SBIN0070492 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills State Bank of India as the bank name and COLLECTORATE BRANCH,KOTTAYAM as the branch.
• The amount and the purpose of payment are correct.
• You have a valid OTP-verifying mobile number on hand.

A 30-second review here saves hours of reconciliation later.

How to reach the Collectorate Branch,Kottayam branch

The branch is located at PBNO1104,COLLECTORATEBUILDINGS,COLLECTORATEPO686002TREASURYKTMATSBTCOIN, which puts it inside Kottayam, the broader Kottayam district, and the state of Kerala. To plan your visit:

1. Open Google Maps on your phone and search for “State Bank of India Collectorate Branch,Kottayam branch” — the verified location pin for IFSC SBIN0070492 should appear at the top of the results.
2. Confirm the branch is open by calling 481-2300351 before stepping out, especially around public holidays.
3. Carry photo ID and any account-related documents you may need for the transaction you plan to do.

Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC SBIN0070492 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SBIN0070492 for State Bank of India – COLLECTORATE BRANCH,KOTTAYAM, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

Branch banking hours and holidays

Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Collectorate Branch,Kottayam branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SBIN0070492, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: SBIN0070492 is the IFSC code of State Bank of India, COLLECTORATE BRANCH,KOTTAYAM branch, in KOTTAYAM, KERALA. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.